ABA therapy is covered in all 50 states due to widespread insurance mandates for autism treatment. However, the details of your coverage depend on your specific insurance plan. Families may face deductibles, copays, annual caps, or requirements for prior authorization.
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Because ABA can be intensive and costly without financial support, reviewing your insurance benefits before beginning services is essential. Some plans cover most of the cost, while others require significant out-of-pocket payments. Understanding your policy helps you anticipate expenses and avoid unexpected charges.
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Intensive ABA (25 or more hours per week) can cost over $200,000 annually without insurance, making coverage a critical factor for most families.

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• A plan may cover ABA but require meeting a deductible before therapy begins.
  
• A family may need pre-authorization to start services or maintain ongoing approval.
  
  

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